{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"4-21-26 Financial Illiteracy: Too Big to Ignore","description":"Financial illiteracy is no longer just a personal challenge\u2014it\u2019s a growing national risk. With U.S. household debt exceeding $18 trillion and nearly 40% of Americans unable to cover a $400 emergency, the consequences are becoming impossible to ignore. Lance Roberts &amp;amp; Jon Penn break down how a lack of basic financial education is driving poor decision-making, rising debt levels, and long-term economic instability. From budgeting and credit to investing and risk management, millions are navigating an increasingly complex financial system without the tools they need. Key topics include: 0:00 - &amp;nbsp;INTRO 1:18 - Market Pull Back No Surprise 7:28 - Leg Day &amp;amp; Italy Prep 9:45 - Financial Literacy Dearth in America 14:44 - Subscriptions &amp;amp; Memberships - The KISS Army 16:13 - High School &amp;amp; College &quot;Stock Picking&quot; classes 19:05 - National vs Personal Debt 20:55 - The Credit Card - Credit Score Myth 23:09 - Manifestation Practices to Better Financial Health 25:17 - Family Discussions: Money &amp;amp; Goals 28:07 - The Perils of Buy Now - Pay Later vs Lay-Away 30:29 - Don't Let Market Moves Scare You 31:36 - First Houses, Inspections, Mortgages, &amp;amp; Escrows 34:27 - The Big Push for Home Ownership - Beware! 37:22 - Trade Skills &amp;amp; Economics in High School 39:04 - How Banks Make Money (on You) 41:55 - how to Properly React to Markets - Rules vs Me ------- Do you enjoy our content? Rate us on Google: https:\/\/bit.ly\/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel:&amp;nbsp; https:\/\/youtube.com\/live\/jAHYTG9JFDg ------- REGISTER for our next Candid Coffee, Saturday, May 16: &quot;Financial Organization Made Simple:&quot; https:\/\/streamyard.com\/watch\/SA6aj2aMdMhf -------- Watch our previous show, &quot;Chase or Fade the Rally? &amp;nbsp;&quot; https:\/\/youtube.com\/live\/Uz93eoE43pc ------- The latest installment of our new feature, Before the Bell, &quot;Overbought Market: Wait for the Pullback&quot; is here:&amp;nbsp; https:\/\/youtu.be\/hSb-tdMdmWc ------- Resources Mentioned in Today's Show: &quot;Short Covering Rally Or Is The Bull Market Back?&quot; https:\/\/realinvestmentadvice.com\/resources\/blog\/short-covering-rally-or-correction-over\/  &quot;Market Lesson: Why Panic Is A Costly Mistake&quot; https:\/\/realinvestmentadvice.com\/resources\/blog\/market-lesson-dont-waste-being-bailed-out\/  ------- Download Lance's Latest e-book, &quot;Laws of Money &amp;amp; Wealth:&quot;https:\/\/realinvestmentadvice.com\/ria-e-guide-library\/ -------- SUBSCRIBE to The Real Investment Show here: http:\/\/www.youtube.com\/c\/TheRealInvestmentShow -------- Visit our Site: https:\/\/www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https:\/\/www.simplevisor.com\/register-new -------- Connect with us on social: https:\/\/twitter.com\/RealInvAdvice https:\/\/twitter.com\/LanceRoberts https:\/\/www.facebook.com\/RealInvestmentAdvice\/ https:\/\/www.linkedin.com\/in\/realinvestmentadvice\/ #StockMarket #InvestingStrategy #MarketOutlook #RiskManagement #TechnicalAnalysis #FinancialIlliteracy #PersonalFinance #DebtCrisis #MoneyManagement #EconomicRisk ","author_name":"The Real Investment Show Podcast","author_url":"http:\/\/soundcloud.com\/the-lance-roberts-show","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/40956285\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/87A93A\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/40956285"}